Citizens Bank & Trust Co.

Headquarters: Marks, Mississippi
Charter: Bank
Assets: $98.6M
Fed district: St. Louis

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 28, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Basic Checking Account $5 · NOW Account $8 · Regular Checking Account $8
Compared at $8, the middle of its prices
Citizens Bank & Trust Co.: $5 to $8
Citizens Bank & Trust Co.: $5 to $8
U.S. median: no median
Overdraft (OD)
Citizens Bank & Trust Co.: $35
Citizens Bank & Trust Co.: $35
U.S. median: no median
NSF / Returned Item
Citizens Bank & Trust Co.: $35
Citizens Bank & Trust Co.: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 28, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens Bank & Trust Co.’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly service charge$5
per month · No balance requirement
Monthly Maintenance$8
per month
Regular Checking Account Monthly service charge$8
per month
Dormant Account$15
Not compared: Annual charge, not monthly
per year
Account Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation/Research | $20.00 Hourly

Overdraft & NSF

Overdraft (each Overdraft Paid)$35
per item
Non-sufficient Funds Items (Each)$35
per item
Nonsufficient funds (NSF) fee - each returned item/payment$35
per item

ATM & Card

Replacement Debit Card$5

Wire Transfers

Wire Transfers: Domestic Incoming$10
Wire Transfers Outgoing (Non-Foreign)$30
Wire Transfers Incoming (Non-Foreign)$10

Check Services

Cashier's Checks$10
Stop Payment ACH/Check/Alerts$35
per item
Stop Payment and Alerts$35
Collection Items (Sent and Received)$50
Account Research - Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

ACH Origination (Monthly)$50
Not compared: Monthly charge, not per item
per month
Internet Bill Pay (Monthly)No charge
per month

Cash & Deposit

Deposited Checks Returned Unpaid (Each)$10
per item
Returned Deposited Item$10

Account Services

Safe Deposit Box 10 x 10"$85
Safe Deposit Box 3 x 10"$35
Safe Deposit Box 3 x 5"$25
Safe Deposit Box 5 x 10"$45
Safe Deposit Box 5 x 5"$30
Garnishments and Levies (Each)$35
per item
Legal Processing Garnishments$35

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly service charge	$5	per month	No balance requirement
Monthly Maintenance	$8	per month	None
Regular Checking Account Monthly service charge	$8	per month	None
Dormant Account	$15Not compared: Annual charge, not monthly	per year	None
Account Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation/Research \| $20.00 Hourly
Overdraft & NSF
Overdraft (each Overdraft Paid)	$35	per item	None
Non-sufficient Funds Items (Each)	$35	per item	None
Nonsufficient funds (NSF) fee - each returned item/payment	$35	per item	None
ATM & Card
Replacement Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfers: Domestic Incoming	$10	Not stated	None
Wire Transfers Outgoing (Non-Foreign)	$30	Not stated	None
Wire Transfers Incoming (Non-Foreign)	$10	Not stated	None
Check Services
Cashier's Checks	$10	Not stated	None
Stop Payment ACH/Check/Alerts	$35	per item	None
Stop Payment and Alerts	$35	Not stated	None
Collection Items (Sent and Received)	$50	Not stated	None
Account Research - Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
ACH Origination (Monthly)	$50Not compared: Monthly charge, not per item	per month	None
Internet Bill Pay (Monthly)	No charge	per month	None
Cash & Deposit
Deposited Checks Returned Unpaid (Each)	$10	per item	None
Returned Deposited Item	$10	Not stated	None
Account Services
Safe Deposit Box 10 x 10"	$85	Not stated	None
Safe Deposit Box 3 x 10"	$35	Not stated	None
Safe Deposit Box 3 x 5"	$25	Not stated	None
Safe Deposit Box 5 x 10"	$45	Not stated	None
Safe Deposit Box 5 x 5"	$30	Not stated	None
Garnishments and Levies (Each)	$35	per item	None
Legal Processing Garnishments	$35	Not stated	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 28, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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